``The bad news -- pensions are a dying breed. For instance, when Hostess Brands entered bankruptcy liquidation, it became the latest in a long list of companies to terminate its plan. To top it off, while the existing retirees may still be protected by the government backstop, younger Hostess employees aren't so lucky. A 45-year-old, for instance, will be able to get no more than $13,960.20 a year from the guarantee.''